Marshall James is a Certified Financial Planner® with 28 years of industry experience. He has been with LPL Financial since 2007 and previously worked at OSAIC and Pension Portfolios. He serves as a board member of Prospector's Federal Credit Union, a nonprofit organization. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and portfolio management solutions, leveraging various investment strategies and technology tools while overseeing substantial discretionary assets.

Dyllon Whitaker is a financial advisor with Primerica Advisors in Upland, CA, holding Series 63 and Series 65 licenses and bringing 13 years of industry experience. He has worked with Primerica Advisors and Primerica Financial Services since 2013 and is also involved with Tristar Marketing Systems in a sales capacity. Outside of advising, he receives compensation for referrals related to home security, automation products, and loan services through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving mainly individual investors—including both non-high-net-worth and high-net-worth clients—as well as corporate and charitable clients. The firm operates at scale with thousands of advisors and offices, delivering advisory services through model recommendations managed by unaffiliated asset managers and supported by third-party custody and trade execution providers.

Timothy Burns is a financial advisor with Cetera and holds a Series 66 designation, bringing 22 years of experience in the industry. He has previously worked at Avantax Insurance Services and 1st Global Advisors, and he also owns Burns & Johnston CPAs, where he practices as a CPA, handling tax preparation and business advisory services. Additionally, he operates Burns Financial Services, focusing on investment-related client meetings. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients including individuals, retirement plans, corporations, and institutions. The firm offers diverse portfolio management and financial planning services through a multi-manager platform that supports both discretionary and non-discretionary strategies.

Ryan Vollkommer is a financial advisor at Stifel with eight years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Stifel since 2022. Prior to joining Stifel, he held positions at MWA Financial Services Inc, Modern Woodmen of America, Red Bull, and FACESS. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, providing brokerage and investment advisory services supported by proprietary investment analysis and asset allocation methodologies developed by its Investment Strategy Group.

Joseph Dehni is a financial advisor at Merrill with six years of industry experience and holds a Series 66 designation. His prior experience includes roles at Bank of America, J.P. Morgan Securities, and Fidelity Investments. Outside of his advisory work, he is a general partner and managing member of Brothers Associates LLC, a UPS Store franchise, and Detroit Pizza Company LLC, where he assists with advertising and promotion on a limited basis. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for a range of clients, including individuals, high-net-worth investors, pension plans, and charitable organizations.

Kevin Bell is a financial advisor at Fidelity with seven years of industry experience. He holds the Series 66 designation and has worked at firms including Bank of America, Merrill, Wells Fargo, Edward Jones, and New York Life Insurance Company. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, leveraging proprietary fundamental research combined with quantitative analysis and algorithmic portfolio construction. The firm offers discretionary and non-discretionary advisory services, fund advisory, and model portfolios, with a focus on systematic methodologies and long-term asset allocation.

Melissa Bergeron is a financial advisor at Fidelity Investments with 14 years of industry experience. She holds the Series 63, Series 65, and Series 66 credentials and has previously worked at firms including Edward Jones, Liberty Capital Strategists, and Primary Advisors. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm also serves multiple registered investment companies and emphasizes systematic methodologies and long-term asset allocation.

Israel Nazari is a financial advisor at J.P. Morgan Securities with Series 63 and Series 66 licenses and three years of industry experience. He has worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2022 and previously spent nine years at The Lemoine Group, Inc. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. Its advisory program emphasizes written asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and incorporating an ESG eligibility framework.

Paul Smith is a financial advisor with LPL Financial in Redlands, CA, holding Series 63 and Series 66 credentials and 28 years of industry experience. He has been with LPL Financial since 2010. LPL Financial is a national broker‑dealer and SEC‑registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of services including financial planning, model portfolio programs, third-party asset management access, and institutional platforms, supporting advisors with both discretionary and non-discretionary investment strategies.

Jose Guzman Vazquez is a financial advisor with Merrill in Fontana, CA, holding Series 66 and Series 63 licenses and two years of industry experience. Prior to joining Merrill, he worked at Wells Fargo Clearing, Wells Fargo Bank, N.A., and Bank of America. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Nancy Morsy is a financial advisor at Merrill with a Series 66 designation and six years of industry experience. Her prior roles include positions at Union Bank/MUFG and Bank of America, N.A., among others. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, providing model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, and institutional entities.

Lolla Long is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and 12 years of industry experience. Prior to joining LPL Financial in 2025, she worked at CUSO Financial Services, LP, PNC Investments, and several BBVA entities. She has been involved with the Girl Scouts of San Gorgonio County for 10 years. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a range of financial planning and portfolio management solutions through a large network of investment adviser representatives.

Lynette Atchley is a CFP® and PFS™ with 26 years of experience in the financial services industry. She has worked with Cetera since 2000 and serves as CEO and Managing Director of CPA Financial Advisors, Inc., where she oversees tax and accounting services. Outside of advisory roles, she holds board positions in nonprofit and environmental organizations and chairs a committee of CPAs who are financial planners. Cetera Investment Advisers LLC is a nationwide SEC-registered advisor serving individual, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, supporting both discretionary and non-discretionary accounts through various program structures and custodial relationships.

David Yoo is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. He holds Series 63 and Series 66 designations and has been with J.P. Morgan Securities and J.P. Morgan Chase Bank since 2015. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The advisory process incorporates centralized due diligence with both quantitative and qualitative research and includes ESG eligibility considerations.

Lawrence Ruiz is a financial advisor with Primerica Advisors in Altadena, CA, holding Series 63 and Series 65 credentials and 26 years of industry experience. He has been with Primerica Advisors since 1999 and also serves at the California School of the Arts, San Gabriel Valley. Outside of advising, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management via its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed account options. The firm employs third-party asset managers and offers a tiered wrap-fee structure while maintaining oversight of portfolio models and manager selection.

Oscar Bahena Del Angel is a financial advisor with Fidelity Investments, holding Series 66 and Series 63 licenses and five years of industry experience. He previously worked with several Cetera affiliates from 2018 to 2022. Outside of financial advising, he is employed in the hospitality industry attending to patrons and delivering food and drinks. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, including discretionary portfolio management and fund advisory. The firm integrates fundamental research with quantitative analysis and algorithmic portfolio construction, and manages model portfolios composed of mutual funds, ETFs, and ETPs.

Patrick Mendoza is a financial advisor at Osaic with four years of industry experience. He holds the Series 63 and Series 66 licenses and has previously worked at Mariner Independent Advisor Network, LPL Financial, and Western University of Health Sciences. OSAIC serves a broad mix of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including comprehensive financial planning and portfolio management. The firm emphasizes model-based asset allocation and portfolio optimization, supporting discretionary and third-party managed strategies.

Aaron Blackfelner is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. He previously worked at Flagstar Bank and JPMorgan Chase. Outside of advising, he operates an independent travel agency booking custom travel experiences. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for a range of individual and institutional clients.

Andrew Mason is a financial advisor at Cambridge Investment Research Advisors with Series 63 and Series 66 designations and one year of industry experience. His prior work history includes roles at Cambridge Investment Research, Inc. and Twins Chiropractic. Cambridge Investment Research Advisors serves a diverse clientele, including individual and institutional investors such as pension and charitable organizations, offering financial planning, investment management, and retirement-plan advisory services. The firm manages a multi-billion dollar asset base across multiple platforms and provides access to proprietary model strategies and third-party advisers.

Paul Castro is a financial advisor with LPL Financial in Riverside, CA, holding Series 63 and Series 66 designations and 15 years of industry experience. His prior work includes roles at Cetera, UnionBanc Investment Services, and an 11-year tenure at Caliber Picture Framing. He is involved in several business activities outside of advisory work, including an insurance agency and tax and accounting services. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions through a large network of investment adviser representatives. The firm offers a range of financial planning and investment management solutions and supports advisors with advanced research and operational tools.